Gathering financial power to help local development Special report
Finance is the blood of the real economy, and it is the duty of finance to serve the real economy. In recent years, the financial industry in our province has continuously gathered financial "living water", improved its ability to serve the real economy, and demonstrated the due responsibility of financial institutions in fully supporting the high-quality development of local economy and society. "Yunnan Economy and Finance" launched a special report on "Gathering Financial Strength to Help Local Development", introducing how various financial institutions can provide strong financial support for the high-quality development of Yunnan Province.
In order to comprehensively promote financial support for rural revitalization, deepen the financial services of new agricultural business entities, and promote the establishment of a long-term mechanism of "dare to lend, willing to lend, can lend, and will lend", the Yunnan Branch of the People's Bank of China guided the Lincang Branch to actively play the role of credit investigation and empowerment, and successfully built the first full-process online "core enterprise + accounts receivable financing service platform + farmers" ** chain accounts receivable financing model in Yunnan around the upstream and downstream transaction scenarios of the local sugar industry chain, effectively rescuing sugar enterprises and relieving the worries of sugar farmers.
As of the end of October, a total of 68 large sugarcane growers in the jurisdiction of Lincang City applied for loans through the accounts receivable financing service platform, with the cane payment payable by the core enterprises as collateral, and the cumulative loan amount was 818050,000 yuan.
Internal and external cooperation to improve the efficiency of movable property financing services
The Yunnan Branch of the People's Bank of China actively planned to promote the inclusion of "giving full play to the role of the accounts receivable financing service platform and the unified registration and publicity system for movable property financing, broadening the scope of collateral, and actively developing the ** chain industry chain finance" into the "Yunnan Province Three-year Action Plan for Cultivating Specialized, Specialized, Special and New Enterprises" and "Yunnan Province Financial Services Three-year Action Improvement Plan for Inclusive Small and Micro Enterprises" and other policy documents. The Provincial Department of Commerce, the Provincial Department of Industry and Information Technology and other six departments issued the "Notice on Carrying out the Provincial Pilot Work of Chain-to-Chain Innovation and Application" to guide banks to innovate the first-chain financial business model and encourage core enterprises to access the accounts receivable financing service platform. In Yunnan Province, the core enterprises of the industrial chain have been explored, and under the linkage of multiple parties, Nanhua Sugar has become a key enterprise in Yunnan to access the accounts receivable financing service platform to carry out online accounts receivable financing.
The provincial and municipal branches of the People's Bank of China visited the production base of Nanhua Sugar Industry for many times to carry out publicity and research seminars on the popularization of accounts receivable financing in the first chain. On February 9, 2022, the "core enterprise + accounts receivable financing service platform + farmers" chain financing service platform was successfully built, realizing the uploading of accounts receivable data of sugarcane planting farmers through the system, the normalization of accounts receivable financing product promotion and financing demand docking, and effectively solving the financing needs of the industrial chain, enterprises on the chain and planting farmers.
Linkage up and down to establish an effective chain financing promotion mechanism
The Yunnan Branch of the People's Bank of China guided the establishment of a special work class, guided the solution of the problem of the accounts payable data interconnection platform of core enterprises, made business process charts, and strengthened training and promotion, with the model of "the People's Bank of China training financial institutions" and "financial institutions tutoring farmers".
1. Solve the difficulties and blockages of business operations face-to-face.
On April 19, 2022, a large sugarcane planter in Linxiang District, Lincang City, successfully applied for a loan of 100,000 yuan through the accounts receivable financing service platform with 200,000 yuan of cane payable by the core enterprise as a pledge. The successful implementation of the first online financing of the "core enterprise + farmer" platform in Lincang City has effectively explored the problems of narrow financing channels and difficult mortgage guarantee for sugarcane farmers. Since the first business has been implemented, the large sugarcane growers in Lincang have pledged the accounts receivable payable by the core enterprises, with a financing amount of 8,18050,000 yuan.
Win-win for all parties to create a new situation of financial services for the real economy
Core enterprise + accounts receivable financing service platform + farmers", which relatively alleviates the capital turnover pressure of Nanhua Sugar, and realizes the confirmation of farmers' accounts receivable, saves manpower and material costs, promotes the integration of business development and capital management into the first chain management, and strengthens the stickiness of the integrated development of modern agricultural industry.
In addition, this model has improved the effectiveness of financial services for the development of the real economy. With the help of the accounts receivable financing service platform, efficient online financing docking is realized, and the fastest loan processing time is 1 day, which effectively meets the frequent, small and fast financing needs of sugarcane farmers. Under this model, Nanhua Sugar confirms the rights of farmers' accounts receivable, which effectively reduces the concerns of local banks about the risks of accounts receivable financing business. At the same time, with the credit support of Nanhua Sugar as a core enterprise, the shortage of financing funds for large planters has been alleviated. Reporter Peng Bo.